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I am 68,going on 69. I decided about 20 years ago that debt is a terrible way to live. I ordered this to see how closely I had come to living by this credo. I was amazed at how much of it I had already used to become debt free.Then I realized that all of this was basic common sense.I was also happy to learn a few things that I thoght were good ideas(like the 7 baby steps) Ithink this is a course that should be required in high school and if just one student in a hundred GOT IT,it would be a success.